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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 1.24
HAFC's Cash to Debt is ranked higher than
74% of the 1266 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. HAFC: 1.24 )
HAFC' s 10-Year Cash to Debt Range
Min: 0.12   Max: No Debt
Current: 1.24

Equity to Asset 0.14
HAFC's Equity to Asset is ranked higher than
91% of the 1651 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. HAFC: 0.14 )
HAFC' s 10-Year Equity to Asset Range
Min: 0.03   Max: 0.14
Current: 0.14

0.03
0.14
Interest Coverage 4.59
HAFC's Interest Coverage is ranked higher than
90% of the 1508 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. HAFC: 4.59 )
HAFC' s 10-Year Interest Coverage Range
Min: 0.83   Max: 4.59
Current: 4.59

0.83
4.59
F-Score: 4
Z-Score: 0.23
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 44.20
HAFC's Operating margin (%) is ranked higher than
89% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.46 vs. HAFC: 44.20 )
HAFC' s 10-Year Operating margin (%) Range
Min: -115.05   Max: 56.1
Current: 44.2

-115.05
56.1
Net-margin (%) 28.46
HAFC's Net-margin (%) is ranked higher than
86% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.71 vs. HAFC: 28.46 )
HAFC' s 10-Year Net-margin (%) Range
Min: -91.7   Max: 72.11
Current: 28.46

-91.7
72.11
ROE (%) 9.95
HAFC's ROE (%) is ranked higher than
82% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. HAFC: 9.95 )
HAFC' s 10-Year ROE (%) Range
Min: -81.66   Max: 23.89
Current: 9.95

-81.66
23.89
ROA (%) 1.31
HAFC's ROA (%) is ranked higher than
91% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. HAFC: 1.31 )
HAFC' s 10-Year ROA (%) Range
Min: -3.87   Max: 3.14
Current: 1.31

-3.87
3.14
ROC (Joel Greenblatt) (%) 435.91
HAFC's ROC (Joel Greenblatt) (%) is ranked higher than
97% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.28 vs. HAFC: 435.91 )
HAFC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -822.22   Max: 529.2
Current: 435.91

-822.22
529.2
Revenue Growth (%) -26.50
HAFC's Revenue Growth (%) is ranked higher than
50% of the 1452 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. HAFC: -26.50 )
HAFC' s 10-Year Revenue Growth (%) Range
Min: -43.8   Max: 12.7
Current: -26.5

-43.8
12.7
» HAFC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2013

HAFC Guru Trades in Q3 2013

Jim Simons 642,985 sh (+10.95%)
» More
Q4 2013

HAFC Guru Trades in Q4 2013

James Barrow 1,543,745 sh (New)
Jim Simons 778,958 sh (+21.15%)
» More
Q1 2014

HAFC Guru Trades in Q1 2014

Jim Simons 1,013,069 sh (+30.05%)
James Barrow 1,536,980 sh (-0.44%)
» More
Q2 2014

HAFC Guru Trades in Q2 2014

James Barrow 1,944,845 sh (+26.54%)
Jim Simons 1,032,494 sh (+1.92%)
» More
» Details

Insider Trades

Latest Guru Trades with HAFC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
James Barrow 2014-06-30 Add 26.54%0.01%$20.77 - $24.51 $ 20.55-6%1944845
James Barrow 2013-12-31 New Buy0.05%$16.59 - $22.4 $ 20.558%1543745
Premium More recent guru trades are included for Premium Members only!!
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Peter Lynch Chart ( What is Peter Lynch Charts )

Top Ranked Articles about Hanmi Financial Corp

Weekly CEO Buys Highlight: HAFC, IESC
According to GuruFocus Insider Data , these are the largest CEO buys during the past week. The overall trend of CEOs is illustrated in the chart below: Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 15.40
HAFC's P/E(ttm) is ranked higher than
69% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. HAFC: 15.40 )
HAFC' s 10-Year P/E(ttm) Range
Min: 3.77   Max: 34.21
Current: 15.4

3.77
34.21
P/B 1.53
HAFC's P/B is ranked higher than
54% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. HAFC: 1.53 )
HAFC' s 10-Year P/B Range
Min: 0.15   Max: 3
Current: 1.53

0.15
3
P/S 4.70
HAFC's P/S is ranked lower than
56% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.11 vs. HAFC: 4.70 )
HAFC' s 10-Year P/S Range
Min: 0.24   Max: 6.42
Current: 4.7

0.24
6.42
PFCF 11.74
HAFC's PFCF is ranked higher than
74% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 109.09 vs. HAFC: 11.74 )
HAFC' s 10-Year PFCF Range
Min: 0.26   Max: 91.02
Current: 11.74

0.26
91.02
EV-to-EBIT 8.47
HAFC's EV-to-EBIT is ranked higher than
90% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.74 vs. HAFC: 8.47 )
HAFC' s 10-Year EV-to-EBIT Range
Min: 2   Max: 23.5
Current: 8.47

2
23.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.40
HAFC's Dividend Yield is ranked lower than
75% of the 1413 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.42 vs. HAFC: 1.40 )
HAFC' s 10-Year Dividend Yield Range
Min: 0.34   Max: 4.42
Current: 1.4

0.34
4.42
Dividend Payout 0.21
HAFC's Dividend Payout is ranked higher than
84% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.48 vs. HAFC: 0.21 )
HAFC' s 10-Year Dividend Payout Range
Min: 0.17   Max: 1
Current: 0.21

0.17
1
Yield on cost (5-Year) 1.40
HAFC's Yield on cost (5-Year) is ranked lower than
74% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.64 vs. HAFC: 1.40 )
HAFC' s 10-Year Yield on cost (5-Year) Range
Min: 0.34   Max: 4.42
Current: 1.4

0.34
4.42
Share Buyback Rate -39.00
HAFC's Share Buyback Rate is ranked higher than
50% of the 1240 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. HAFC: -39.00 )
HAFC' s 10-Year Share Buyback Rate Range
Min: 2.8   Max: -74.4
Current: -39

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.54
HAFC's Price/Tangible Book is ranked higher than
66% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. HAFC: 1.54 )
HAFC' s 10-Year Price/Tangible Book Range
Min: 0.23   Max: 4.93
Current: 1.54

0.23
4.93
Price/DCF (Projected) 0.57
HAFC's Price/DCF (Projected) is ranked higher than
83% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. HAFC: 0.57 )
HAFC' s 10-Year Price/DCF (Projected) Range
Min: 0.07   Max: 1.54
Current: 0.57

0.07
1.54
Price/Median PS Value 1.23
HAFC's Price/Median PS Value is ranked higher than
63% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. HAFC: 1.23 )
HAFC' s 10-Year Price/Median PS Value Range
Min: 0.1   Max: 1.59
Current: 1.23

0.1
1.59
Price/Graham Number 1.02
HAFC's Price/Graham Number is ranked higher than
72% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. HAFC: 1.02 )
HAFC' s 10-Year Price/Graham Number Range
Min: 0.35   Max: 2.53
Current: 1.02

0.35
2.53
Earnings Yield (Greenblatt) 11.80
HAFC's Earnings Yield (Greenblatt) is ranked higher than
86% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. HAFC: 11.80 )
HAFC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.2   Max: 51
Current: 11.8

4.2
51
Forward Rate of Return (Yacktman) 42.34
HAFC's Forward Rate of Return (Yacktman) is ranked higher than
89% of the 1309 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.11 vs. HAFC: 42.34 )
HAFC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 17.7   Max: 227.9
Current: 42.34

17.7
227.9

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Hanmi Financial Corporation serves as the holding company for its subsidiary, Hanmi Bank. The bank is a community bank conducting general business banking, with its primary market encompassing the Korean-American community as well as other communities in the multi-ethnic populations. The bank's full-service offices are located in business areas where many of the businesses are run by immigrants and other minority groups. The bank maintains a branch network of several full-service branch offices in California, and loan production offices in several states throughout the U.S. Hanmi Financial's other subsidiaries are Chun-Ha Insurance Services, Inc. and All World Insurance Services, Inc., insurance agencies that offer a complete line of insurance products, including life, commercial, automobile, health, and property and casualty. The bank's revenues are derived mainly from interest and fees on the company's loans, interest and dividends on its securities portfolio, and service charges on deposit accounts. The bank originates loans for its own portfolio and for sale in the secondary market. Lending activities include real estate loans, commercial and industrial loans, and consumer loans. The bank offers commercial real estate loans. The bank's commercial real estate loans are mainly secured by investor-owned commercial buildings and owner-occupied commercial and industrial buildings. The bank also finances the construction of multifamily, low-income housing, commercial and industrial properties within its market area. The bank finances small and middle-market businesses in a spectrum of industries throughout California. The bank offers term loans for a variety of needs, including loans for working capital, purchases of equipment, machinery or inventory, business acquisitions, renovation of facilities, and refinancing of existing business-related debts. The bank offers a variety of international finance and trade services and products, including letters of credit, import financing and export financing.
» More Articles for HAFC

Headlines

Articles On GuruFocus.com
Weekly CEO Buys Highlight: OPK, LJPC, SFNC, HAFC, TUBE Jul 28 2014 
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Weekly CEO Buys Highlight: KMI, GBDC, HAFC, BPFH, MTDR Sep 16 2013 
Weekly CEO Buys Highlight: RCL, PSXP, ALXA, PAY, HAFC Aug 05 2013 
Weekly CFO Buys Highlight: BWEN, ENZ, PIP, HAFC, AACC Nov 21 2011 
Hanmi Financial Corp. Reports Operating Results (10-K/A) Jun 03 2010 
Hanmi Financial Corporation Reports Second-Quarter 2009 Financial Results Aug 06 2009 
Hanmi Financial Corporation Reports Fourth-Quarter and Fiscal Year 2008 Financial Results Jan 29 2009 

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Hanmi Financial Corp. to Participate in 2014 Raymond James U.S. Bank Conference Aug 25 2014
HANMI FINANCIAL CORP Financials Aug 15 2014
HANMI FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Aug 08 2014
HANMI FINANCIAL CORP Files SEC form 8-K, Other Events Aug 06 2014
Hanmi Financial to Present at Keefe, Bruyette & Woods 15th Annual Community Bank Investor Conference Jul 24 2014
HANMI FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 22 2014
Hanmi Earns $11.0 Million, or $0.35 per Share, in 2Q14; Profits from Continuing Operations Increase... Jul 22 2014
Q2 2014 Hanmi Financial Corporation Earnings Release - Before Market Open Jul 22 2014
HANMI FINANCIAL CORP Files SEC form 8-K, Other Events Jul 21 2014
Hanmi Financial Corp. Announces Sale of Insurance Subsidiaries Jul 11 2014
Hanmi Financial Announces Second Quarter 2014 Conference Call and Webcast Jul 10 2014
HANMI FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jun 20 2014
Hanmi Financial Declares Cash Dividend of $0.07 per Share Jun 20 2014
HANMI FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 29 2014
HANMI FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 09 2014
Hamni Financial Corp.: How Much More Can Be Squeezed Out Of This Fully Valued Regional Bank Apr 23 2014
HANMI FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 22 2014
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Hanmi Financial Appoints David L. Rosenblum and Chulse (William) Park to its Board of Directors Mar 27 2014
HANMI FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Mar 27 2014

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